Support Site for The Unemployed & Underemployed
Tuesday October 24th 2017

How To Raise Money When You Need It Urgently

Some readers have asked me to re post some articles that they have missed out earlier for the benefit of those who are new to the site. This article was first posted in Feb 09.

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How To Raise Money When You Need It Urgently

Written By: Gilbert Goh
Besides borrowing, there are many ways to raise money from what we have on hand. Many resort to loan sharks and ended up worse off than before. Loan sharks not only charge an imposing interest of around 20% a month but also may resort to violence to get back their money.

I will try to list out several ways that I have used to raise ready cash during my period of joblessness. Hopefully, this will benefit readers who will face financial pressure as a resukt of prolonged unemployment.

Borrowing Against Insurance Policies

During my down period, I managed to raise almost $20,000 just by pledging my five insurance policies to my insurance company without further questions asked. There is no need for collateral and certainly no need to show proof of income. You are actually borrowing your own money from the insurance policies’ cash value.

I was thankful that during those good times, I managed to set aside a substantial amount of premiums ($500-600 a month) for my insurance policies. Over the years, substantial cash value was accumulating in my insurance policies. The loan amount was enough for me to tide over at least twelve months if I use it sparingly. There is no need to pay back the loan if you are unable to though there is an interest attached to it. I think it is not more than 5% per annum. In the event of a payout due to death or disability, the loan amount is less from the insurance coverage.

To this day, I am thankful that I have deposited such a large sum of money into my insurance policies by way of monthly deduction. During rainy days, the loan that I could borrow easily provide a life line for me to tide over a difficult period.

Incidentally, an insurance loan is not equal to a closure of insurance policies. One may be tempted to close up all insurance policies as premiums are still payable for the policies to be in full force. This is a very wrong decision as our family needs the money more when something happens to us prematurely especially in those down time. One can however ask for a premium policy, incorporated in some insurance policies so that premiums will be frozen for a certain limited period. Of course, the cash value will also be affected when one applies premium holiday in the insurance policies. Do check with your insurance advisor if you want to know more about such loan stuff.

Second Hand Goods

Another easy way to raise instant cash is to sell away what you do not need at home. As I bought a lot of CDs and VCDs during my good years, I managed to sell them away to second hand shops located in some HDB area to raise cash during a very difficult period. Nevertheless, the resale value is very low. I remembered selling away a original CD costing around $20.00 for a dollar and a VCD for $1.50. Handphones are also readily exchangeable for cash especially in second hand handphone shops. Some friends told me to go to ebay website to market my products. Buyers are willing to pay more than second hand retail shops. It is well known that during down times, the Yahoo sales website exploded as many people desperate for cash posted their items on the site for sales. However, I could not find the technical expertise to navigate round ebay website to sell my stuff. I may consider hawking my second hand goods if they bring back the old Sungei Road! Desperate times need desperate measures!

Recall Back Loans

Try to recall back loans to friends that were made long ago until they were forgotten. I managed to savage back a few thousand dollars for a loan made to a friend many years back. I did not ask for repayment as it was a good friend and the amount was not a lot ($5000). Nevertheless, when one is unemployed, five thousand dollars is a huge sum of money and can last me 2-3 months. Though the friend was reluctant to return the amount, my desperation and urgency in my plea moved him to make out a cheque for $5000. To this day, I am thankful for that friend who is willing to return the sum of money which came in handy for some urgent bills. He can choose to avoid me or fabricate a story not to return the amount which actually happened to another friend of mine. I rather not disclose the story here as it is not a positive one. So when the chips are down, try to retrace back those loans made out to friends when you are riding high. It is time to recall those loans back as your friends may be doing better than you now.

Part Time Work

I didn’t know that there is a flourishing part time employment in the market until I was unemployed. There are many jobs that pay by the hour out there – the only thing is whether you are willing to do them.

For example, the mover business always have a shortage of workers. Workers come and go as the job is temporal and demanding. Movers spent up to 6 hours a day moving heavy household items up and down stairs. The pay is miserly – around $50. However, when one is desperate such work is in demand and sometimes there is no lack of workers lining up to do them. Due to a chronic poor back, I have never attempted to move furniture before except for the occasional help rendered to help friends move their items when they shift home.

Telemarketing is also in demand, whether it is in a down or up period. They also pay by the hour and can run on shift work. I managed to secure a one-month telemarketing job that paid $7.00 an hour during that period. All I need to do is to contact the clients to change some of their data. To me, it is easy money and my only regret is that the assignment ended after one month. I also managed to make some good friends there and kept in contact for a while before the out-of-sight-out-of-touch syndrome took over. So if you need to, there are regular part time jobs out there for the taking. It is all over the papers and spread also through word of mouth.

Sell Your Shares

Of course, if you have any stocks and shares it is good to slowly sell them to raise cash. I made the mistake of waiting too long to sell off some shares and in the end they were worth much less than if I were to sell them off in the beginning of the downturn. I am no financial stock guru here and the only advice I can give is to liquidate your positions if you are unemployed as cash is king in a recession unless you are in a very cash rich position.

Sell Your Car

A  friend of mine also had to sell of her car during the down turn as she could not handle the repayment of the loan comfortably. She told me that she was very reluctant to hand over the key on the day of transition and was depressed for a while. So be prepared for the day when you have to part away with your possessions. It can be quite traumatic especially if it is an item of sentimental origin like one’s home. This is so true especially for men who tend to view their possessions as a reflection of their status and esteem. It is time to refocus where our true happiness will be during this recession. There should be less pursuit of materialism but more emphasis on building up relationship.

Pawn Shops

Pawn shops are also doing a roaring business during down times when people start to pawn away their belongings that are of value. Though pawning can give you instant cash, there is still the stigma of visiting a pawn shop. I remembered when I decided to pawn away some items to raise cash, I wore a baseball cap to hide away in case some friends spotted me. There is still the shame to visit a pawn shop as though you are a loser which is not the case as it is a legitimate legalized lending institution and can be a source of help when one is financially down.

Pawn shops operated by lending you cash over interest for an item of value such as gold chains, luxurious watch pieces and diamonds. I was surprised that pawn shops charged less than 2% interest for a three to six month loan period. Nevertheless, they only lend you an amount much reduced in value to the item that you pawned. For example, if you decide to pawn a gold chain and the current market value is $1000, you may only get a loan for $750 as if you defaulted in payment at the end of the loan period, the chain belonged to the pawn shop. Suffice to say, pawn shops are also out there to do a business and they need the margin to survive when you defaulted. As you still need to return the loan to the shop, pawn shops can only be temporary emergency places that provide you cash for a certain period to tide over. If you can return the money on time, pawn shops will make fantastic legal loan institutions as their interest rate is super low compare to financial houses (12% up) and loan sharks (20% up).

The major difference between a pawn shop and a loan shark is that the interest rate is very small for the pawn shops and they don’t go around pouring paint over the loan taker’s homes if the person defaults in payment. I am surprised that only uncles and aunties visit pawn shops. Executives need to know that pawn shops provide cheap loans to tide over a difficult period and should never be shunned like parasites. Some pawn shops are well renovated and except for those ugly iron bars that shield you from their officers, they are decent business places to visit. You can even haggle for them to give you a better rate if you are a regular customer.

My mum ever told me that she had pawned away her pair of gold bracelets close to ten times so that she has cash to tide over when we were much poorer and younger. However, my heart sunk when I realized that recently her pair of gold bracelets were no where close on her hands. Maybe she could not pay up the loan amount readily and the pawn shops had confiscated them for sales at their shops. I did not ask her about it for fear that it may stir up unpleasant memories.

Rent Out Apartment

To raise cash, a friend of mine took the drastic step to rent out his 2-bedroom private apartment for around $2,500 during that down period and moved his whole family of four to stay with his in-law in a HDB 3-room flat. The rental amount was sufficient to repay the monthly bank mortgage with some spare change. It was a drastic step and it worked for him. His family was less stressed and life went on as normal as before. If you have have family members who are willing to let you stay with them for decent rental, such a step seems feasible and could provide you a stable monthly financial return to help you tide things over the mid term.

I am sure many others have their own way of raising cash for emergency use. Some extreme cases include selling one’s pet to raise cash whereas others resort to breeding their pets to sell the puppies. Others prostitute their bodies to live one more week. Some I heard went for those new drug trial in hospitals and received adequate compensation for their bodies that were clinically tested. We all have different ways of raising cash when we are at the end of the rope and I should not comment too much here as we all live our life differently. People will resort to extreme measures to raise cash when they are strapped and in urgent need. Some who experienced extreme stress over a prolonged period will even resort to taking one’s life to end their misery. Such is the harshness of today’s society and sadly only the fittest survives.

Borrowing  As Last Resort

Borrowing is by far the easiest but yet the most humbling experience for many to raise cash in this down time. I am not advocating that people who are cash strapped go round borrowing money from friends but when at one’s wit end there is simply no choice and this remain the best option besides going to the loan shark or doing something illegally.

I remembered when I approached friends for loans, I did it when I was in dire straits and that there was no other way out. The thought of asking them out for a cash loan already freaks me out. Moreover, aS you also need to return the loan money, it will be difficult if you have to regularly see the person either in the office or in a church setting. There is also the fear that the person will slip out and share it with others. I would not recommend borrowing from office colleagues as once it is leaked out the whole office will know and not many people will react kindly to such news. I think friends whom you know well and are your buddies are the best people that you can approach for loans. AS they know you well, they are also sympathetic and will be understanding of your situation. Such friends are hard to come by these days and there will be some that will avoid you once they know that you are in dire straits. They will return to your side only when they know that you are doing better. So much for a friend in need is a friend indeed.

So how much should you borrow? I don’t think there is a ballmark figure here but anything between $1000 to $3000 is manageable. Remember that you need to return the money so the more you borrow the more you need to return. Some may also lend you an amount lesser than you wanted and there is nothing that you can do about it. Some may also ask for an IOU and if you sign on the dotted line it becomes an official loan document that can be used against you in the court of law in the event of a dispute. There are some friendships whom I have heard went sour due to a loan dispute and it is wise to lend from people whom you really know and trust. The last thing you want is someone suing you to return the loan when you are still down and out.

So far, none of my friends have asked me to sign anything and except for one none has chased me for repayment. I have slowly pay off my loans to friends but not entirely yet. So the key message here is to only borrow when all avenues are close and borrow from close friends who have supported you all these years. As money is a very sensitive issue, it is wise to think twice before resorting to borrowing from relatives. You never know when they may backfire on you. Many also approach their own family members such as brothers and sisters first. Though it is easier to approach them but take note that some siblings do not take to lending money kindly even for their own kind and this may breed bad blood in the family. So do think twice about borrowing from siblings also though it sounds easier. If they refuse to lend you the cash, the disappointment may be catastrophic for you and even affect the kindship. The news may also spread within the whole family network and if discretion is what you need then borrowing from siblings may not be a wise move.

I am always eternally grateful for my group of friends that stood by me when the chips are down and that is essentially what true friends are for. Those who avoided you when you are down are apparently not your good friends and you can let them go in peace.

Some of you may resort to gambling which is rampant during lean times. Especially for the lower income, this is a form of get-rich-fast scheme. Betting on Toto and 4D increase during periods of recession as people want a chance to get instant cash quickly. Our easy access to those hundreds of betting booths apread round the island give us the convenience to wager some money for huge sums in return. I wonder how many people lost more of their money when they resort to gambling than keeping them in their wallet. I always see long queues of elderly people during 4D days and it is not uncommon to see some office people in ties joining the queue too. I find that gambling not only drain your money but also give you the false hope that there may be real chance of a win on that feel-good days. When the numbers don’t come in good, your lucky days may turn to sorrow. A friend tried this method of putting all his wager money on match days into a tin box. He was shocked to realize that not only the numbers did not strike any 4D prices but that his tin book grew a few hundreds every month. That was the time that he quitted betting on those dreadful numbers any more. However it is easier say than done. Many have wagered on 4D since they are in their twenties right up to their golden years. To ask them to completely stop gambling is like asking them to stop eating. It has become a part of their lifestyle and habit. If need to, approach a counselor to help you ease your gambling habit. Many families were ruined as a result of gambling problem. So please lay off wagering on those numbers that have high odds of striking

Debt Problem

Many people  during financial distress tend to to  roll over their credit payment i.e. they only paid the minimum sum payment. Bankruptcies also rose to 290 in September 08 from August 08’s figure of 240. During the Sars period in 2003, a total of 5,400 people became bankrupt. I am afraid bankruptcy figure will rise in the coming months as the meltdown hit not only Singapore but the world. IT is a global recession and looks very ugly.

Jackpot machines also became many past-time habit during a recession as they give people a chance to make some money and also to kill a lot of idle time. Many I know went to the slot machines so that they can block off those frustrating thoughts on their mind. I remembered I was working then and was addicted to the one-armed bandit for almost a year when I was young and it took me a lot of effort for me to pull myself away from the machine. Many people that I knew from the jackpot room have family problems and they went there to unwind and distress. Nevertheless, the one-armed bandit has being known to be very addictive and I have seen families destroyed by this slot game.

During that period, I lost a few hundred dollars a month and the thrill that I had during those winning moments far surpassed my monthly losses. Sometimes, I would stay the whole Sunday there from day to night. I realized the whole reason I went for the game was that I was very bored and did not have many friends to go out with during weekend. Life was also very mundane and work was routine. I knew I was becoming addicted as I would have to pull the machines at least thrice a week to ease the addiction feeling. I later began to ask some friends out and slowly the habit of going to the machines for a few spins was removed. To this day, I have not touch a jackpot machine since except for the occasional overseas urge especially in Gentings.

I hope that I have given some valuable tips on how to raise some cash during those tough period. It is good to list down those avenues that you can go to when you are still working and financially sound. This is call preparation for the worse. When you are really down to your last dollar, you may not have the right frame of mind to think rationally on how to raise money. Your desperation may also drive you to do something silly to look for cash. So it is good to be ready and prepared when the crunch time arrives. You just need to activate those instruments to get cash.

If you want to approach the government’s welfare arm at Community Development Council (CDC) for some welfare money, it may take a good 4-6 weeks for them to process your application and there is no guarantee that you will be successful. So do it earlier is wise.

The fullness of life is in the hazards of life. Edith Hamilton

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Reader Feedback

136 Responses to “How To Raise Money When You Need It Urgently”

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  15. Frank Lias says:

    Do you need a loan? if yes get back to via: frankliasloancompany2012@yahoo.com

  16. ALLIED FINANCIAL TRUST LOAN FIRM says:

    ALLIED FINANCIAL TRUST LOAN FIRM

    We are Christian Organization formed to help people in needs of helps, such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business, or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email address : (collinsparkerloanfirm39@gmail.com) So do not let these opportunity pass you by. Please these is for serious minded and God fearing People. APPLICATION FORM Name:__________________________ Address:________________________ Country:________________________ Sex:_____________________________ Age:_____________________________ Occupation:______________________ Loan Request_____________________ Purpose of loan____________________ Loan Duration______________________ Monthly Income:____________________ Phone Number:_____________________ LOAN DURATION____________________

    Kindly get back to us through our email Email:collinsparkerloanfirm39@gmail.com THANKS COLLINS PARKER.

  17. kelvin says:

    Dear friends, my name is kelvin from Canada, i am into business,but it was not bringing out profit as it was supposed to, life was not what living cos things was bad for me financially, i have a beautiful wife with four kids to take care off. i sold my car and most of my property just to keep earns mate and still things was not going easily for me. so i complained to a friend of mine who said he knew a powerful spell caster from Africa called Dr.EGOGO who can perform magical money spell or good luck or automatic promotion in office, making someone love you back, spells to bring close one in jail or lost back home,healing spell etc.that help straightened his brother life from taking hard drugs. At first i was confused and doubtful, then i decided to give a try and did what Dr.EGOGO told me to do, to my surprise 3 days later things started going well for me, i got what i ever bargained for, my business was flourishing like never before, i now have
    enough money to take good care of my family and we are living happily,I thank His greatness Dr.EGOGO for bringing my source to hope and joy with his powerful spell,well if you want to be a living testimony like me or interested in any spell casting you can contact Dr.EGOGO via this email egogotemple@yahoo.com

  18. vicky says:

    Hello readers,
    my name is madam Vicky,i want to thank God for using Dr Okoase to bless my life,recover my job and most especially for using him to recover my ex back.
    I dated this man for almost five years now and we will preparing to get married but something happen and every thing disorganized,since then i have been looking for solution on how i will get him back until my friend introduce me to this man Dr Okoase a great spell caster ,who cast a spell for me to recover him back,and not only that he also help me to recover my job back.
    Sir, I must say you are a great spell caster,please world help me to thank this Dr Okoase on his email: templeofgreatspell@gmail.com please sir keep your good work because people need your helping hand in there lives.

  19. jj@39 says:

    Who will believe all these nonsense?

  20. John Lim says:

    Why are there alot of con men on this site?

  21. THIS IS G.T.I LOAN COMPANY.WE OFFER LOAN TO PEOPLE THAT ARE IN NEED OF
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  22. FIRST DIRECT LOAN FINANCE FIRM

    EMAIL-firstdirectloanfirm@mail.com
    HEAD OFFICE-4 Queens Square,Belfast,BT1 3DJ united kingdom [London].

    **********************************************************************************
    Gets good money lending service today that is generally
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    FIRST DIRECT LOAN FINANCE FIRM is a trademark of AIB Group (UK) p.l.c.
    incorporated in united kingdom. Registered Office: 4 Queen’s Square,
    Belfast, BT1 3DJ. our Registered Number is NI 18800.
    THANKS,
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  23. LINK FIANACE LIMITED
    Tooke House
    20 Bull Plain
    Hertford
    Herts
    SG14 1DT
    london
    United Kingdom
    Email:linkfinance@consultant.com
    **********************************************************************************
    Gets good money lending service today that is generally
    reliable,safe ,filtered
    by International Loan Agency and also Tested and Trusted. We give out loan for
    Any purposes, if you are really in need of a loan,, just let us know
    the amount you need as a loan,and your
    problems will be over.We issue loans to individuals dispite their
    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME……………….
    2)YOUR COUNTRY…………….
    3)YOUR OCCUPATION………….
    4)YOUR MARITAL STATUS………
    5)PHONE NUMBER…………….
    6)MONTHLY INCOME…………..
    7)ADDRESS…………………
    8)PURPOSE OF LOAN………….
    9)LOAN REQUEST…………….
    10)LOAN DURATION………………

    LINK FINANCE LIMITED
    THANKS,
    Mr Thomas Williams

  24. ALLIED FINANCIAL TRUST LOAN FIRM
    =================================================
    We are Christian Organization formed to help people in needs of helps,
    such as financial help.So if you are going through financial difficulty or
    you are in any financial mess,and you need funds to start up your own business,
    or you need loan to settle your debt or pay off your bills,start a nice business,
    or you are finding it hard to obtain capital loan from local banks,contact us today via
    email address : alliedfinancialtrustloanfirm@gmail.com
    So do not let these opportunity pass you by.
    Please these is for serious minded and God fearing People.
    APPLICATION FORM
    Name:__________________________
    Address:________________________
    Country:_________________________
    Occupation:______________________
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    Loan Duration______________________
    Monthly Income:____________________
    Phone Number:_____________________
    LOAN DURATION____________________

    Kindly get back to us through our email
    Email:alliedfinancialtrustloanfirm@gmail.com
    THANKS
    ELIZABETH DOUGLAS

  25. Mr.Large Gerald says:

    Good day,

    I am Mr.Large Gerald CEO(MD), a register and approved loan lender, We give out loans from the range of $1,000.000 to 800,000,00£ USD, at 3% interest rate Our loans are well insuredand maximum security is our priority,More information Email, (largegeraldloanlendercompany@gmail.com)

    BORROWERS DATA FORM
    1)YOUR FULL NAME……….
    2)YOUR COUNTRY……….
    3)YOUR OCCUPATION……….
    4)YOUR MARITAL STATUS……….
    5)PHONE NUMBER……….
    6)MONTHLY INCOME……….
    7)ADDRESS……….
    PURPOSE……….
    9)LOAN REQUEST……….
    10)LOAN DURATION……….

  26. WILLIAN FIRM says:

    Your username: BENNYC212
    Your password: jesusisgood

    Good Day ,
    looking for a loan with fast funding email Willian ben for a very good loan for you to be able to your dept so that you and your family can be happy for every you are advices to fill out and return the below application
    details.
    APPLICATION DETAILS:
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    Last Name:_________
    Gender:_________
    Marital status:_________
    Contact Address:_________
    City/Zip code:_________
    Country:_________
    Date Of Birth__________
    Loan Amount Needed In USD:_________
    Loan Duration:_________
    Monthly Income/Yearly Income:_________
    Occupation:_________
    Purpose for Loan:_________
    Email Address:________
    Phone:_________
    Fax:_________
    We await the fill out details
    willianfirm@yahoo.co.uk

  27. DAN VILL says:

    DO YOU NEED A LOAN IF YES YOU CAN AS WELL APPLY NOW IN A VERY LOW RATE SOP THAT YOU CAN DO WHAT YOU WANT TO DO WITH THIS LOAN OK
    EMAIL US ON danvilll@blumail.org

  28. Kang gumawa ng isang kagyat na pautang upang simulan ang iyong negosyo o muling pagpopondo iyong negosyo? Bigyan kami ng utang sa isang mababang rate ng interes ng 2% na may murang mga tuntunin ng pautang at condition.so kung sa kailangan Pinapayuhan-apply ngayon pagkakataon ay sa iyongside.so iyong inaasahan upang makakuha muli gamit ang impormasyon sa ibaba!!!
    Utang APPLICATION FORM

    SECTION A

    NAME_________________
    CONTACT ADDRESS_____________
    NATIONALITY__________________________
    COUNTRY___________________________________
    PETSA NG BIRTH__________________________________
    KASARIAN: __________________________________________
    asawa STATUS____________________________________
    CURRENT POSITION SA WORK___________________________
    Zip Bansa Code____________________________________
    Susunod ng kin___________________________________________
    Address_________________________________________________
    Tel_________________________________________________
    Halaga na kinakailangan bilang utang: … sa dollars______________
    Duration_______________________________
    buwanang income____________________________
    makipag-ugnay sa us.harryloanfunding@gmail.com
    Salamat.
    Sana ay upang marinig para sa iyo sa lalong madaling panahon.

    Mr Harry w. Morgan.

  29. charmer says:

    This is an excellent article with wonderful and pragmatic tips to face a sudden downturn in one’s life.

    Unfortunately the article is followed with dangerous money lenders and weird magic spell offers. I urge all of you not to sucumb to these practices.

    I thought the tip of renting one’s flats, taking on telemarketing assignments and recalling past loans is the most logical thing to do to raise cash to allow oneself to manage the difficult period.

    I like to add on a few other possible things to do

    1. Giving tution to a single student on a subject that you are comfortable with at a basic fee base on your standard. Hopefully your student improves and word gets around. You may be in a happy position with more inquiries after a few months !

    2. Contact event management companies ( listed on SACEOS website) and offer yourself as part time event staff for expo and conference registration and ushers. The MICE industry is booming and most major PCO’s use polytechnics ( RP & SP) to man the registration counters.

    3. For senior executives try contacting publishers in your industry and offer to be representatives. This will not give you a salary but it give you a chance to network within your industy as you canvass for advertisements.

    4. SATS is looking for food handlers. Pl call them.

    Good Luck & God Bless

    Shan

  30. ST MARTINS CHURCH LOAN SERVICE
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    THANKS AND REGARDS
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  31. Good day
    We give out financial assistance to those who have a dream business but is faced with the challenges of finance.You can obtain loan from us at a very low interest rate. Contact us via our mail: benito_lance@live.co.uk
    Best Regards
    Mr. Benito Lance

  32. sal says:

    A lot of Ah Long in Spore….

  33. Sal says:

    Please ….no Ah Long in this website

  34. Dr ogbodo says:

    TESTIMONY;I am mrs .sandra cliff from US the problem that brought me to the oOGBODOSOLUTIONHOME was the probleem of
    dissadpointment in all my endeavour and both in my marital life i got married on the 24 of may three years ago
    after which my husband started misbehaving and hated me as though i was not the woman he used to know he turned me to

    punching bag and we quarrelled over what seemed not serious i was loosing hope before my friend miss ariyo told me she

    knowss of a good spell man that can help solve the problem i relunctantly contacted him and he casted a spell for me lo and

    behold it worked he also told me the reasons for my disapointment in carrier and in life .i must confess my husband now

    love me like never before the spell caster name is DR ogbodo and you can reach him on ogbodosolutionhome@gmail.com

  35. book writer says:

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  36. ABDUL AHANED says:

    Apply for all kinds of loan

    Peace and God’s Blessings be upon you and your household, Are you finding it difficult in obtaining a loan from the bank around you? or are you looking for an urgent loan to pay off your bill and start your own business? Contact Mr. Roland Rex, today via email Below, they give out international loan to companies and individual. Loans to consolidate debt/bills, Note all reply should be sent to this email:( jacksonmortage_inc@outlook.com ) For more info. the following details to proceed.
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